Bruce is a founder and managing partner of two companies. The CFS Group, LLC is a national life insurance general agency specializing in a differentiated “best-in-class” premium finance program for individuals with net worth in excess of $10 million. Financial Design & Management, Inc., is a company dedicated to financial and estate planning since 1988.

Starting his career in 1981, Bruce is now one of the nation’s leading experts in financial and estate planning, using asset backed insurance lending structures designed for tax planning, asset protection and business and wealth succession. Bruce offers “intelligent insurance capitalization” techniques designed to substantially lower the out-of-pocket cost for permanent life insurance coverage and also lower potential tax burdens. Clients who qualify are able to leverage larger amounts of needed life insurance to optimize estate planning goals such as: tax planning, asset protection, wealth succession, business buy-sell planning and succession, as well as philanthropic planning. Bruce has been a Certified Financial Planner since 1985. He is founder and managing partner of two companies.

Bruce is the principle and managing member of The CFS Group, LLC, a national advisory firm. Bruce uses his specialized expertise in advanced life insurance strategies to optimize each of his client’s asset protection, estate planning and charitable giving capability. Bruce is focused on the use of advanced no-recourse, low cost or no-cost, tax advantaged insurance lending structures to protect family and business legacies. These structures have been reviewed by some of the top financial research companies in the U.S. and have been recognized as “best-in-class”.

Bruce’s other firm, Financial Design & Management, Inc. is a financial, tax and estate planning firm specializing in the advanced marketplace. Bruce works with wealthy Americans, business owners, highly compensated professionals, charitable foundations and wealthy foreign nationals to design wealth creation strategies. Bruce has been helping clients accumulate wealth and legally reduce income and estate taxes for the last 30 years.

Bruce is an educational board member of The Wealth Preservation Institute and has lectured at their annual Asset Protection Society Forum in Las Vegas. He recently participated in Institutional Investor’s annual Family Office Wealth conference as subject matter expert in ABIL Structures. Bruce is a past board member of the Central Jersey Society for the Institute for Certified Financial Planners and is a past member of the Financial Planner Division of The Financial Planning Association. Bruce has recently been selected to the National Register’s Who’s Who in Executives and Professionals, a Publisher for Executives, Professionals and leading Businesses registered at the Library of Congress in Washington, D.C.

He is a graduate of Monmouth College (now Monmouth University) in West Long Branch, New Jersey with a B.S. degree in Business and Finance. He is also a graduate of the College for Financial Planning, Denver, Colorado where he earned his CFP designation. He is NASD Series 7 and Series 24 licensed, and is a Registered Investment Advisor and Securities Representative. He is an independent insurance broker holding his life and health license in many states. He is a Certified Continuing Education Instructor for IACPA in multiple states.